Merchant Onboarding Associate Jobs

About the Role: We are seeking an experienced Risk Management professional to lead and strengthen the organisation's Operational Risk and Outsourcing Risk Management framework. The role will be responsible for identifying, assessing, monitoring, and mitigating operational and third-party risks across payment products, merchant acquiring, cross-border payments, and outsourced business operations. The incumbent will work closely with business, operations, compliance, technology, audit, and leadership teams to ensure adherence to regulatory requirements, network guidelines, and internal risk policies. Key Responsibilities Operational Risk Management: Develop, implement, and enhance the Operational Risk Management (ORM) framework, including Risk and Control Self-Assessments (RCSAs), across the organisation. Identify, assess, monitor, and mitigate operational risks arising from payment operations, merchant onboarding, transaction processing, and customer servicing. Drive corrective action plans arising from RCSA findings and control gaps. Monitor Key Risk Indicators (KRIs), operational losses, incidents, and control effectiveness. Lead root cause analysis and remediation for operational risk events. Own SOP and policy lifecycle management — including drafting, versioning, and periodic review — for all operational risk policies and procedures. Outsourcing Risk Management: Manage end-to-end outsourcing risk governance for third-party vendors involved in KYC verification, PAN validation, customer onboarding, payment processing, and other critical functions. Maintain and operate a vendor categorisation framework (IT/Non-IT, critical/non-critical outsourcing) and ensure risk assessments are calibrated to vendor tier and exposure. Ensure compliance with RBI Outsourcing Guidelines, PA Master Directions 2025, and all applicable regulatory requirements. Conduct vendor due diligence, risk assessments, performance reviews, and periodic audits. Monitor SLA adherence, control ef

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition. For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. Job Overview We are looking for a Senior Product Experience Designer for our Chicago office, with a strong knack for interface design to join our team, focusing on In-Person Payments (IPP) and Localized Payment Teams. In this role, you will bridge complex backend mechanics and hardware constraints with intuitive, beautifully crafted user interfaces across terminal screens, mobile SDKs, and regional checkout flows across the globe. Key Responsibilities Own Complex Experience Logic: Take ownership of the end-to-end user journeys connecting in-person touchpoints (Payment terminals, SoftPOS (Tap to Pay, mobile SDKs) and regional checkout adaptations across EMEA, LATAM, APAC, and North America. Translate complex underlying payment mechanics into clear, intuitive product experiences. Interface Design Mastery & UI Craft: Lead with a strong eye for visual hierarchy, micro-interactions, and interface design. Drive the details of screen layouts across compact terminal displays, merchant onboarding flows, and localized checkout components to ensure every pixel meets a high quality bar. Core Triad Partnership: Partner closely with Product Managers and Engineering Leads from early discovery through execution. Articulate clear design rationale while balancing technical hardware and API constraints with merchant and shopper usability. Eliminat

Toast creates technology to help restaurants and local businesses succeed in a digital world, helping business owners operate, increase sales, engage customers, and keep employees happy. We're looking for a Product Manager for Fraud & Risk who wants to understand how fraud really happens and to build products that stop it at scale. You're comfortable with ambiguity and you like hard trade-offs, like loss vs. friction or automation vs. human review. Your decisions rest on data, customer insight and strong cross-functional partnerships. And last, but not least, you know that a team succeeds because of its people, and you want to help build an environment where we can all do our best work. This is a chance to shape the risk platform behind one of the largest restaurant payments businesses in the US. You'll use machine learning and AI to protect restaurants and help Toast grow. Who We Are The Fraud & Risk team keeps Toast, our restaurants and their guests safe from fraud and financial loss. We also make it fast and easy for restaurants to get onboarded and get paid. The team owns: Merchant onboarding and underwriting (KYC/KYB) Transaction and payout risk monitoring The fraud rules and decisioning platform Settlement reserves Chargebacks and disputes Our job is to balance loss prevention against growth. We stop bad actors without adding friction for the great majority of restaurants that are doing the right thing. We work closely with Risk Operations, Payments, Compliance and Legal. We operate like a small startup with high ambitions and a focus on speed, experimentation and iteration. A day in the life (Responsibilities) Drive and prioritize the roadmap for your area of Fraud & Risk. Balance fraud loss reduction, merchant experience and business growth. Set the strategy for detecting and preventing fraud across the merchant lifecycle: onboarding, payments, payouts and disputes. Partner with data science and engineering to improve risk models, rul

About Paytm: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About The Team: Looking to join the heart of Paytm? Are you someone who loves to build products and also gets curious about technology stack being used? The Payments team is looking for Product Managers to create high impact and critical business products. You will work with business leaders and engineering partners to drive the strategy, roadmap, execution of a product area. Successful product managers are extremely customer focussed, creative thinkers, hustlers who enjoy a high paced environment and to be able to get stuff done. Role Overview:- We are looking for a Senior Product Manager to own and scale Paytm's International Expansion charter. This role requires deep hands-on experience in payment products across acquiring, gateways, banking and card scheme integrations, merchant onboarding, settlement systems and merchant experience. Key Responsibilities:- * Own the end-to-end product roadmap for international payments: merchant onboarding, card acceptance, clearing, settlement and payouts, reconciliation, merchant experience. * Lead integrations with card schemes, onboarding vendors, the card switch, settlement banks, terminal vendors, FX providers and open banking aggregators. * Design onboarding, settlement, reconciliation, payment, merchant features that meet the regulatory requirements of each market. * Drive cross-functional execution across product, engineering, compliance, and business teams. * Work with solution architects and engineering leads, write detailed product requirement documents, and manage roadmaps and deliverables. * Work with multiple stakeholders, senior management and cross-funct

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Senior Analyst, Customer Performance, Brand-1 Overview Mastercard operates the world’s fastest payment processing network, connecting consumers, financial institutions, merchants, governments, and businesses in more than 210 countries and territories. Every day, everywhere, we use our technology and expertise to make payments safe, simple and smart. We know safety and security are the top priorities of our customers, cardholders and partners, so we won’t stand still in developing new and better ways to keep payments safe. • Do you have experience conducting investigations, reviewing evidence, and documenting case outcomes? • Do you have knowledge of merchant onboarding, monitoring, customer response review, and potential Mastercard Standards violations? • Are you a high performer with strong analytical, documentation, and project management skills? • Are you collaborative, detail-oriented, and able to support credible investigations in a fast-paced environment? Mastercard’s Franchise Brand Performance Team advances ecosystem health and profitability by engaging our customers to optimize performance and to enhance the strength of our brand, acceptance network, and data. Role • Preserve the integrity of the Mastercard brand by conducting investigative case work under the Business Risk Assess

Location Details: Gurugram HR At GoDaddy the future of work looks different for each team. Some teams work in the office full-time; others have a hybrid arrangement (they work remotely some days and in the office some days) and some work entirely remotely.​ This is a hybrid position. You’ll divide your time between working remotely from your home and an office, so you should live within commuting distance. Hybrid teams may work in-office as much as a few times a week or as little as once a month or quarter, as decided by leadership. The hiring manager can share more about what hybrid work might look like for this team. Join Our Team... Join GoDaddy Capital, a team building technology that helps merchants access funding to grow and manage their businesses. GoDaddy Capital enables eligible GoDaddy merchants to access fast and flexible funding, with offers and funding managed through the GoDaddy Commerce experience. As a Software Engineer, you’ll work with expert engineers, product, and operations teams to build and maintain the services that power the Capital experience. You’ll primarily work with Node.js and NestJS, with opportunities to contribute to React-based applications as well. You’ll also get hands-on exposure to Kafka, AWS, Redis, MySQL/NoSQL databases, APIs, and AI-assisted development tools while working on systems that support merchant onboarding, funding, underwriting, and partner integrations. This is a great opportunity for an early-career engineer who enjoys solving problems, wants to learn from experienced engineers, and is excited to build software that directly supports small and growing businesses. What you'll get to do... Develop, test, and maintain backend services using JavaScript runtime environments and the NestJS framework, building and integrating REST APIs that power GoDaddy Capital and external partner platforms. Work within a distributed architecture by using Kafka for event-driven communication, Redis for caching, and databases that inc

About Paytm Europe Merchants deserve better from their payments provider: fairer pricing, faster settlement, easier tools, and support from a partner that understands their business. Paytm Europe Payments S.A., is being established in Luxembourg, backed by One97 Communications Limited, one of India's largest fintech groups, with the ambition of transforming how SMEs across Europe accept and manage payments. Following launch in Luxembourg, the business will expand into Germany, the Netherlands and other European markets. As a CSSF-regulated Payment Institution, Paytm Europe is committed to building a best-in-class governance, risk and compliance framework from inception. Role Purpose The Head of Financial Crime & MLRO will lead the design, implementation and continuous enhancement of Paytm Europe's financial crime framework across Europe. The successful candidate will act as the Money Laundering Reporting Officer (MLRO), ensuring compliance with all applicable AML/CFT/CPF, sanctions and financial crime obligations while enabling sustainable commercial growth. This is a strategic executive leadership role responsible for building a scalable, technology-enabled financial crime function capable of supporting Paytm Europe's long-term European expansion. Key Responsibilities Build the Financial Crime Framework - Design and implement Paytm Europe's AML/CFT/CPF framework, policies and procedures. -Establish a risk-based control environment aligned with CSSF, EU and international regulatory expectations. -Ensure the framework scales effectively as the business expands across Europe. Act as MLRO - Serve as the designated Money Laundering Reporting Officer. - Maintain effective relationships with the CSSF, Financial Intelligence Units and other competent authorities. - Oversee suspicious activity investigations and reporting. Customer & Merchant Due Diligence - Oversee customer and merchant onboarding, KYC/KYB, enhanced due diligence and ongoing monitoring. - Ensure rob

Who We Are At OKX, we believe that the future will be reshaped by crypto, and ultimately contribute to every individual's freedom. OKX is a leading crypto exchange, and the developer of OKX Wallet, giving millions access to crypto trading and decentralized crypto applications (dApps). OKX is also a trusted brand by hundreds of large institutions seeking access to crypto markets. We are safe and reliable, backed by our Proof of Reserves. Across our multiple offices globally, we are united by our core principles: We Before Me , Do the Right Thing , and Get Things Done . These shared values drive our culture, shape our processes, and foster a friendly, rewarding, and diverse environment for every OK-er. OKX is part of OKG, a group that brings the value of Blockchain to users around the world, through our leading products OKX, OKX Wallet, OKLink and more. Role Overview We are seeking an experienced Overseas Operations Manager (P2P) to drive strategic growth and operational excellence across key overseas markets. This role requires deep understanding of P2P market mechanics, merchant ecosystem dynamics, regional payment infrastructures, and competitive positioning. The ideal candidate has hands-on experience operating P2P markets at leading exchanges (e.g., Binance, Bybit, Bitget) and can independently formulate expansion strategies while delivering measurable growth outcomes. Key Responsibilities Market Expansion & Growth Strategy Develop and implement regional P2P expansion strategies to ensure sustainable and stable business growth Monitor regional regulatory developments and assess their impact on P2P business models Continuously adjust market strategy based on competitive landscape and market shifts P2P Merchant & Ecosystem Management Design and optimize advertiser (merchant) onboarding, segmentation, and incentive structures Maintain close engagement with key merchants to ensure liquidity depth and spread competitiveness Improve complet

Who We Are At OKX, we believe that the future will be reshaped by crypto, and ultimately contribute to every individual's freedom. OKX is a leading crypto exchange, and the developer of OKX Wallet, giving millions access to crypto trading and decentralized crypto applications (dApps). OKX is also a trusted brand by hundreds of large institutions seeking access to crypto markets. We are safe and reliable, backed by our Proof of Reserves. Across our multiple offices globally, we are united by our core principles: We Before Me , Do the Right Thing , and Get Things Done . These shared values drive our culture, shape our processes, and foster a friendly, rewarding, and diverse environment for every OK-er. OKX is part of OKG, a group that brings the value of Blockchain to users around the world, through our leading products OKX, OKX Wallet, OKLink and more. Role Overview We are seeking an experienced Overseas Operations Manager (P2P) to drive strategic growth and operational excellence across key overseas markets. This role requires deep understanding of P2P market mechanics, merchant ecosystem dynamics, regional payment infrastructures, and competitive positioning. The ideal candidate has hands-on experience operating P2P markets at leading exchanges (e.g., Binance, Bybit, Bitget) and can independently formulate expansion strategies while delivering measurable growth outcomes. Key Responsibilities Market Expansion & Growth Strategy Develop and implement regional P2P expansion strategies to ensure sustainable and stable business growth Monitor regional regulatory developments and assess their impact on P2P business models Continuously adjust market strategy based on competitive landscape and market shifts P2P Merchant & Ecosystem Management Design and optimize advertiser (merchant) onboarding, segmentation, and incentive structures Maintain close engagement with key merchants to ensure liquidity depth and spread competitiveness Improve complet

Who We Are At OKX, we believe that the future will be reshaped by crypto, and ultimately contribute to every individual's freedom. OKX is a leading crypto exchange, and the developer of OKX Wallet, giving millions access to crypto trading and decentralized crypto applications (dApps). OKX is also a trusted brand by hundreds of large institutions seeking access to crypto markets. We are safe and reliable, backed by our Proof of Reserves. Across our multiple offices globally, we are united by our core principles: We Before Me , Do the Right Thing , and Get Things Done . These shared values drive our culture, shape our processes, and foster a friendly, rewarding, and diverse environment for every OK-er. OKX is part of OKG, a group that brings the value of Blockchain to users around the world, through our leading products OKX, OKX Wallet, OKLink and more. Role Overview We are seeking an experienced Overseas Operations Manager (P2P) to drive strategic growth and operational excellence across key overseas markets. This role requires deep understanding of P2P market mechanics, merchant ecosystem dynamics, regional payment infrastructures, and competitive positioning. The ideal candidate has hands-on experience operating P2P markets at leading exchanges (e.g., Binance, Bybit, Bitget) and can independently formulate expansion strategies while delivering measurable growth outcomes. Key Responsibilities Market Expansion & Growth Strategy Develop and implement regional P2P expansion strategies to ensure sustainable and stable business growth Monitor regional regulatory developments and assess their impact on P2P business models Continuously adjust market strategy based on competitive landscape and market shifts P2P Merchant & Ecosystem Management Design and optimize advertiser (merchant) onboarding, segmentation, and incentive structures Maintain close engagement with key merchants to ensure liquidity depth and spread competitiveness Improve complet

Xendit is the financial technology platform built for businesses that move fast. We give companies one unified platform for payment acceptance, payouts, treasury and financial services, replacing fragmented local integrations with a single infrastructure layer. We serve businesses of every size, from high-growth startups to global enterprises, processing high-volume transactions across Southeast Asia and beyond, with more markets on our global expansion roadmap. The Role As a Merchant Operations Analyst, you will play a critical role in enabling businesses to grow on Xendit’s platform. You will be responsible for reviewing and processing merchant KYC profiles in line with regulatory requirements and internal policies, assessing LDD, BDD, and business use cases to determine merchant eligibility. Beyond onboarding, you will support payment channel activations by working closely with external partners and internal teams to ensure merchants are successfully set up to accept payments. You will coordinate submissions, track progress, resolve issues, and help unblock delays, while ensuring compliance and a smooth end-to-end experience for merchants. In this role, you will collaborate with cross-functional teams including Compliance, Risk, Product, Sales, and Partnerships to solve onboarding and activation cases efficiently, always keeping customer experience at the forefront. You will also gain a strong understanding of payment flows, partner requirements, and regulatory considerations, and contribute to continuous improvements in processes and tools. This role is ideal for someone who enjoys problem-solving, cross-team collaboration, and making a meaningful impact on how merchants experience Xendit from day one. Outcomes and Responsibilities Conducting business profile review for incoming onboarding merchant accounts Review all information and submitted documentations ensuring compliance with local regulation and Xendit standards Process cases based on the prioriti

Xendit is the financial technology platform built for businesses that move fast. We give companies one unified platform for payment acceptance, payouts, treasury and financial services, replacing fragmented local integrations with a single infrastructure layer. We serve businesses of every size, from high-growth startups to global enterprises, processing high-volume transactions across Southeast Asia and beyond, with more markets on our global expansion roadmap. Why this role exists The merchant lifecycle: onboarding, activation, and lifecycle across many surfaces, where consistency and reusability matter as much as any single flow. This role does double duty: raise the craft on the merchant lifecycle experience, and own the design system that keeps that experience coherent as the domain scales. You are the person who both designs the hard flow and builds the pattern that keeps the next ten from drifting. What you'll own Product design in the Operational Journey cluster: onboarding, dashboard, and KYC-heavy lifecycle flow, reconciling clarity with compliance requirements. Design system consolidation (your first mission): take the existing design system, analyze and diagnose it, consolidate and document it properly, and establish tokens and patterns the whole team can build on. Design standards across the domain: you set the quality bar and guide design decisions in areas without a dedicated designer yet, including the developer-experience surface, through standards and critique, not by producing every screen. Mentorship: you raise the craft of other designers on the team when needed. How you will work You report to the Product Design & UX Director for Customer Lifecycle. You are the senior design owner in the domain at the outset, setting standards, shipping craft, and building the system others rely on. Your time splits between product work and system consolidation, weighted toward the system early while the foundation is built, then rebalancing toward product.

About the Team The Merchant (Mx) AI/ML team is a cornerstone of DoorDash’s merchant organization. We empower our restaurant partners to thrive on DoorDash by building intelligent, scalable AI systems that simplify operations, elevate their digital presence, and enhance customer engagement. Our world-class machine learning engineers develop production-grade AI solutions that power the entire merchant lifecycle — from onboarding and store setup to menu management, growth, and real-time order operations. The team is deeply customer-obsessed and impact-driven, focused on turning cutting-edge research in LLMs, multimodal learning, generative AI, and agentic automation into products that make our merchants more successful every day. About the Role We’re looking for an Engineering Manager to lead the Mx AI/ML team, driving the design and deployment of next-generation AI product solutions that power our merchant experiences. This is a highly cross-functional leadership role — you’ll collaborate with product, design, operations, and data science teams to define the AI roadmap, guide technical direction, and deliver end-to-end AI/ML solutions at massive scale. You’ll lead a team of talented ML engineers who are building real AI products delivered to merchants’ fingertips, helping them become more successful on DoorDash. You’re excited about this opportunity because you will… Lead and grow a team of exceptional AI/ML engineers developing production-grade machine learning and generative AI solutions for the merchant ecosystem. Define a multi-year strategy and execute the AI roadmap across key Mx pillars — Onboarding, Menu Media Understanding & Generation, Menu Metadata Intelligence, and Agentic Task Automation. Partner with product and operations to translate merchant pain points into scalable AI-powered solutions. Own the end-to-end lifecycle of ML systems — from ideation and experimentation to productionization and continuous improvement. Drive innovation in multimodal AI

About Wolt At Wolt, we create technology that brings joy, simplicity and earnings to the neighborhoods of the world. In 2014 we started with delivery of restaurant food. Now we’re building the delivery of (almost) everything and you’ll find us in over 500 cities in 30 countries around the world. In 2022 we joined forces with DoorDash and together we keep on dreaming big and expanding across the globe. Working at Wolt isn’t always easy, but it’s definitely exciting. Here you’ll learn more, build more, and ship more than in most other companies. You’ll be challenged a lot, but also have a lot of fun on the way. So, if you’re a self-starter with drive and entrepreneurial spirit, this could be the ride of your life. About the Team Wolt's Shared Service Center in Budapest is home to a team of 40 people who keep our operations running across markets. Ten of them focus on one mission: getting German merchants to live on Wolt quickly and correctly. They own the onboarding journey from the moment a partner signs to the day they start receiving orders. Now we're looking for someone to lead them. As Onboarding Team Lead, you'll be based in Budapest and work closely with our Onboarding Operations team in Germany, reporting to the Global Head of Business Process Outsourcing Management. You'll lead a team of 12 FTE, own the German onboarding pipeline, and make sure every partner gets a smooth, high-quality start on Wolt. The team is experienced and established, and it's ready for a leader who can raise the bar on speed, quality and process, while being its biggest advocate. What you’ll be doing You'll be responsible for how quickly and how well German merchants are onboarded onto Wolt. That means leading the people, owning the pipeline, and keeping a close eye on the numbers. You'll build a solid understanding of the full onboarding landscape, including POS integrations, gear workflows, commission changes and offboarding. You'll also be the go-to person when things get stuck. Day

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Facebook, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition. For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. What you’ll do As a Sub Customer Onboarding Team Lead, based in Madrid, you will lead a team that is in charge of performing KYC & CDD checks on our customer base from across the globe. You will guide the team to ensure we are adhering to our compliance standards, meeting our SLA’s while providing an excellent customer experience. Our teams work closely with our commercial, compliance and product teams while collaborating with some of the world’s biggest companies in order to ensure compliance with rules and regulations. You will become a part of our growth in improving customer onboarding experience as well as scaling Adyen to the next level. Your team is extremely customer-focused, highly motivated, and thrives on shared success . You will be part of a global team with diverse backgrounds and skill sets. You will lead the team that is responsible for the Know Your Customer (KYC) process during the onboarding of new platforms to ensure it is done efficiently and complying with all regulations. You will evaluate performance through metrics, track team progress and success, and present results to Senior Leadership while being ultimately responsible for all decision-making regarding your team. You will coach, mentor, and manage members of the team and give direct feedback You will manage capacity planning , i